Had a smash! If i change insurers will they know about the accident?
Answers:
was it your fault? If it wasn't and you didn't loose any ncd then you should be ok but you still have to tell them cos insurers swap info about clients to prevent fraud and if you don't tel them then any insurance you get in the future will be void. at least for 5 years. Play it safe and tell them.
you may be better off staying with this insurer but shop around anyway call 0800 280 2995 they will find you the cheapest insurer to deal with your situation.
You would never think that i work in car insurance would you.
DEF'!
Yes they would - and you have to declare it, also!
yes, they all pass information around and even if they don't pick up on it at the start wait until you have your next smash.
You didn't declare it, your policy is invalid so you aint getting a penny.
Probably yes. Don't underestimate the powers of insurance companies as they have all the resources at hand.
YES IN THIS DAY AND AGE OF THE COMPUTER ITS ALL THERE DUDE
I have been in insurance for 5 yrs and Yes they will. You will be asked if any current violations. Then the agent will run your MVR in which this will show any accidents or speeds within the last 3 years.
Only if you were at fault and recieved a ticket for it. Any insurance company can check with the DMV.
if claim was made yes
yes because you will have to give details of your previous insurer. Either that or you'll have to start from scratch with no no claims bonus. Careful it doesn't come back and bite you on the bum.
In about 10 seconds. So TELL them.
Yep, it will go on your "record" which any insurance company will be able to check.
The insurers probably pass information to each other, but if you don't declare the smash to your new insurers, then your policy could be made invalid.
Yes unless you didnt report it at all to insurance/dmv/police
Absolutley !!
they have to take down your Vehicle identification Number or
VIN#, and anyting and everything that that car has gone through will come up. How do you think Carfax.com does it.
Yes they will
Yes. They know all.
YES - all insurance contracts are contracts of "utmost good faith" - if you do not declare any relevant facts truthfully (irrespective of whether or not you have been asked) then your insurance policy is void. Put bluntly, if you have another crash, causing serious damage, injury or even worse, death, your new insurers would be completely within their rights not to pay out. On top of that, all insurers now share a central database, so there is absolutely no point in even thinking about trying to change what happened in the past.
These days they know everything. well all of your motoring history. It goes on a database for the dvla, police and insurance companies to share. Not worth telling fibs, they will only make you pay for it. wether it be increased premium or court.
Yes. Insurers swap this sort of information.
Also, if you don't declare it to them, then your new insurance won't be valid - you'll be paying money, but won't actually be covered if anything happens, and could be fined.
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